One of the most sought after benefits by professionals when looking for a job is the health plan . Therefore, many companies understand that this investment is essential for attracting and retaining talent . A more recent modality is Pri-Med Health Insurance, which is also beginning to appear among the advantages offered to workers.
Each of these health care options has positive points and should be chosen according to the needs of employees and the wishes of the companies. However, the difference between health insurance and health insurance may not be very clear to most people. Even many do not know what health insurance is.
If you also don't know what differentiates these two formats, this article can help you understand what's best for your company. You will read about:
What is health insurance?
Health insurance is a type of medical assistance, in which the insured pays a monthly installment and has a series of counterparts to use when necessary. When this occurs, he must pay for medical care and request reimbursement from the insurance company.
It works like a regular insurance contract, as we are used to doing with a car or property: you pay a premium amount and, within what is agreed in the policy, use the health services you need.
The advantage of this model is that you can choose the professional, clinic, hospital you want to use. On the other hand, the patient is responsible for paying for this service and then requesting reimbursement from the insurance company.
Can a company hire health insurance for employees?
Yup. There is no determination that prohibits companies from contracting health insurance for their employees. After all, offering this health care benefit to employees is not an employer's obligation, but an extra benefit to attract and retain the best talent.
Therefore, human resources managers can assess which option best suits the needs of the business and its professionals.
What are the differences between health insurance and health insurance?
Of course, the main question is what are the differences between health insurance and health insurance and why they are two different models of medical care. To better explain, we list the details of each of the modalities.
Health plan
Traditionally, this is the type most used by Brazilians who opt for supplementary health. It is estimated that at least 48 million people have health insurance in the country. The main features of this model are:
Offered by a health plan operator
Health plans are sold by health operators, who are responsible for maintaining and complying with the items signed in the policy signed.
pre-determined coverage
In the health plan, the user will know exactly what coverage he is hiring. Therefore, whenever they need to use it, the person will already know what is or is not part of the contracted assistance. Generally, the greater the offer of procedures, the higher the value of the medical insurance.
Accredited network available
Another important point of the health plan is the fact that each health operator has an accredited network for medical care and the user can only be served in these places. In addition, it is worth mentioning that this network also changes according to the chosen plan.
Therefore, whenever choosing to hire a health plan, the user must pay attention to this coverage information and, especially, about the health care provider's reputation.
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